PayJoy is a financial technology company that provides smartphone financing solutions to consumers in emerging markets. The company was founded in 2015 and is headquartered in San Francisco, California. PayJoy partners with mobile network operators and retailers to offer affordable financing options to customers who may not have access to traditional credit. The company uses proprietary technology to assess creditworthiness and manage risk, and has developed a mobile app that allows customers to manage their accounts and make payments. PayJoy is committed to financial inclusion and has received several awards for its work, including the 2019 FT/IFC Transformational Business Award.